The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$15,250
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,724
−HK$482/mo
Today · 4.125%
HK$16,206
baseline
▲ 0.50% · 4.625%
HK$17,193
+HK$987/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,412/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,966
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,421
−HK$461/mo
Today · 4.125%
HK$17,882
baseline
▲ 0.50% · 4.625%
HK$18,825
+HK$943/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,764/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,300
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,869
−HK$579/mo
Today · 4.125%
HK$19,448
baseline
▲ 0.50% · 4.625%
HK$20,631
+HK$1,183/mo
Deposit HK$2.68M · loan HK$4.01M · min. income ≈ HK$38,896/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,359
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,905
−HK$554/mo
Today · 4.125%
HK$21,459
baseline
▲ 0.50% · 4.625%
HK$22,590
+HK$1,131/mo
Deposit HK$2.68M · loan HK$4.01M · min. income ≈ HK$42,918/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,350
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,014
−HK$675/mo
Today · 4.125%
HK$22,689
baseline
▲ 0.50% · 4.625%
HK$24,070
+HK$1,381/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$45,378/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,752
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,389
−HK$646/mo
Today · 4.125%
HK$25,035
baseline
▲ 0.50% · 4.625%
HK$26,355
+HK$1,320/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$50,070/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,450
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,304
−HK$868/mo
Today · 4.125%
HK$29,172
baseline
▲ 0.50% · 4.625%
HK$30,947
+HK$1,775/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,344/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,538
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,357
−HK$831/mo
Today · 4.125%
HK$32,188
baseline
▲ 0.50% · 4.625%
HK$33,885
+HK$1,697/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$64,376/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,637 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).